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International Bancshares Corporation IBOC

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68.65 USD +1.08 (+1.60%)

Nov 4, 2026, 2:43 PM EST

67.62 Day range 70.32
63.20 52-week range 78.46
YTD
+3.33%
1 year
+1.33%

Financial health

Altman Z-Score

0.65 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A4 / 5 overall

  • DCF 5
  • Return on Equity 3
  • Return on Assets 5
  • Debt / Equity 4
  • P/E 3
  • P/B 2

Valuation

P/E 10.0×
FY 2016: 20.1×FY 2017: 16.7×FY 2018: 10.5×FY 2019: 13.8×FY 2020: 14.2×FY 2021: 10.6×FY 2022: 9.6×FY 2023: 8.2×FY 2024: 9.6×FY 2025: 10.0×
FY 2016 5y median 9.6× FY 2025
P/S 3.9×
FY 2016: 4.9×FY 2017: 4.6×FY 2018: 3.6×FY 2019: 4.4×FY 2020: 4.1×FY 2021: 4.3×FY 2022: 4.0×FY 2023: 3.5×FY 2024: 3.8×FY 2025: 3.9×
FY 2016 5y median 3.9× FY 2025
P/B 1.3×
FY 2016: 1.6×FY 2017: 1.4×FY 2018: 1.2×FY 2019: 1.3×FY 2020: 1.1×FY 2021: 1.2×FY 2022: 1.4×FY 2023: 1.4×FY 2024: 1.4×FY 2025: 1.3×
FY 2016 5y median 1.4× FY 2025
P/FCF 8.7×
FY 2016: 16.4×FY 2017: 14.4×FY 2018: 10.9×FY 2019: 10.0×FY 2020: 8.0×FY 2021: 9.5×FY 2022: 7.8×FY 2023: 7.5×FY 2024: 8.5×FY 2025: 8.7×
FY 2016 5y median 8.5× FY 2025
EV/EBITDA 7.9×
FY 2016: 17.2×FY 2017: 16.5×FY 2018: 10.2×FY 2019: 12.4×FY 2020: 5.8×FY 2021: 1.4×FY 2022: 3.4×FY 2023: 6.2×FY 2024: 8.0×FY 2025: 7.9×
FY 2016 5y median 6.2× FY 2025
EV/Sales 4.1×
FY 2016: 7.0×FY 2017: 7.2×FY 2018: 4.8×FY 2019: 5.5×FY 2020: 2.4×FY 2021: 0.8×FY 2022: 1.9×FY 2023: 3.5×FY 2024: 4.1×FY 2025: 4.1×
FY 2016 5y median 3.5× FY 2025
FCF Yield 11.4%
FY 2016: 6.1%FY 2017: 7.0%FY 2018: 9.2%FY 2019: 10.0%FY 2020: 12.5%FY 2021: 10.5%FY 2022: 12.9%FY 2023: 13.3%FY 2024: 11.7%FY 2025: 11.4%
FY 2016 5y median 11.7% FY 2025

Profitability

Gross Margin 78.3%
FY 2016: 88.5%FY 2017: 91.1%FY 2018: 90.7%FY 2019: 88.0%FY 2020: 85.4%FY 2021: 94.4%FY 2022: 91.6%FY 2023: 82.3%FY 2024: 76.9%FY 2025: 78.3%
FY 2016 5y median 82.3% FY 2025
Operating Margin 49.4%
FY 2016: 35.8%FY 2017: 39.2%FY 2018: 43.2%FY 2019: 40.2%FY 2020: 36.7%FY 2021: 52.0%FY 2022: 53.7%FY 2023: 54.0%FY 2024: 48.8%FY 2025: 49.4%
FY 2016 5y median 52.0% FY 2025
Net Margin 39.1%
FY 2016: 24.4%FY 2017: 27.8%FY 2018: 34.2%FY 2019: 31.7%FY 2020: 29.0%FY 2021: 40.9%FY 2022: 42.1%FY 2023: 42.4%FY 2024: 39.2%FY 2025: 39.1%
FY 2016 5y median 40.9% FY 2025
ROE 12.7%
FY 2016: 7.8%FY 2017: 8.6%FY 2018: 11.1%FY 2019: 9.7%FY 2020: 7.7%FY 2021: 11.0%FY 2022: 14.7%FY 2023: 16.8%FY 2024: 14.6%FY 2025: 12.7%
FY 2016 5y median 14.6% FY 2025
ROIC 2.5%
FY 2016: 4.2%FY 2017: 4.3%FY 2018: 6.8%FY 2019: 6.2%FY 2020: 5.1%FY 2021: 7.4%FY 2022: 10.6%FY 2023: 12.7%FY 2024: 11.3%FY 2025: 2.5%
FY 2016 5y median 10.6% FY 2025
ROA 2.5%
FY 2016: 1.1%FY 2017: 1.3%FY 2018: 1.8%FY 2019: 1.7%FY 2020: 1.2%FY 2021: 1.6%FY 2022: 1.9%FY 2023: 2.7%FY 2024: 2.6%FY 2025: 2.5%
FY 2016 5y median 2.5% FY 2025

Growth (YoY)

Revenue 1.0%
FY 2016: -0.5%FY 2017: 2.9%FY 2018: 11.6%FY 2019: 2.6%FY 2020: -10.8%FY 2021: 7.4%FY 2022: 14.9%FY 2023: 36.1%FY 2024: 7.5%FY 2025: 1.0%
FY 2016 FY 2025
Operating Income 2.3%
FY 2016: -4.8%FY 2017: 12.5%FY 2018: 23.0%FY 2019: -4.6%FY 2020: -18.5%FY 2021: 52.2%FY 2022: 18.7%FY 2023: 36.8%FY 2024: -2.8%FY 2025: 2.3%
FY 2016 FY 2025
EPS (diluted) 0.8%
FY 2016: -1.5%FY 2017: 16.8%FY 2018: 37.3%FY 2019: -3.7%FY 2020: -16.0%FY 2021: 52.7%FY 2022: 19.5%FY 2023: 38.5%FY 2024: -0.8%FY 2025: 0.8%
FY 2016 FY 2025
Free Cash Flow 2.9%
FY 2016: -10.6%FY 2017: 11.0%FY 2018: 14.2%FY 2019: 35.3%FY 2020: 5.8%FY 2021: -5.7%FY 2022: 31.1%FY 2023: 21.2%FY 2024: 2.9%FY 2025: 2.9%
FY 2016 FY 2025

Financial Health

Current Ratio 1.0×
FY 2016: 0.5×FY 2017: 0.5×FY 2018: 0.4×FY 2019: 0.4×FY 2020: 0.5×FY 2021: 0.6×FY 2022: 0.5×FY 2023: 0.4×FY 2024: 0.4×FY 2025: 1.0×
FY 2016 5y median 0.5× FY 2025
Quick Ratio 1.0×
FY 2016: 0.5×FY 2017: 0.5×FY 2018: 0.4×FY 2019: 0.4×FY 2020: 0.5×FY 2021: 0.6×FY 2022: 0.5×FY 2023: 0.4×FY 2024: 0.4×FY 2025: 1.0×
FY 2016 5y median 0.5× FY 2025
Debt / Equity 0.2×
FY 2016: 0.8×FY 2017: 0.9×FY 2018: 0.6×FY 2019: 0.5×FY 2020: 0.5×FY 2021: 0.4×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.3× FY 2025
Net Debt / EBITDA 0.3×
FY 2016: 5.1×FY 2017: 5.8×FY 2018: 2.6×FY 2019: 2.6×FY 2020: -4.2×FY 2021: -6.3×FY 2022: -3.7×FY 2023: -0.0×FY 2024: 0.6×FY 2025: 0.3×
FY 2016 5y median -0.0× FY 2025
Interest Coverage 2.4×
FY 2016: 4.6×FY 2017: 5.7×FY 2018: 5.2×FY 2019: 4.4×FY 2020: 5.4×FY 2021: 12.0×FY 2022: 10.0×FY 2023: 3.8×FY 2024: 2.4×FY 2025: 2.4×
FY 2016 5y median 3.8× FY 2025

Dividends

Dividend Yield 2.1%
FY 2016: 1.5%FY 2017: 1.7%FY 2018: 2.2%FY 2019: 2.4%FY 2020: 2.9%FY 2021: 2.7%FY 2022: 2.6%FY 2023: 2.3%FY 2024: 2.1%FY 2025: 2.1%
FY 2016 5y median 2.3% FY 2025
Payout Ratio 21.1%
FY 2016: 29.5%FY 2017: 27.7%FY 2018: 23.0%FY 2019: 33.5%FY 2020: 41.8%FY 2021: 28.7%FY 2022: 25.1%FY 2023: 19.0%FY 2024: 20.1%FY 2025: 21.1%
FY 2016 5y median 21.1% FY 2025

Annual · latest fiscal year ends 2025-12-31